Decisions

Don’t be too patient

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If you have an opportunity, don’t let it pass you by. I’m sitting in my favorite coffee shop, one that I’ve logged upward of 1,000 hours at over the past decade or so. And I’m here for the last time. … Read More … Read More

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Why you need to work with a digital fiduciary

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It’s not just your financial advisors who need to be fiduciaries too. We need to be able to trust people’s online words and suggestions as well. Trust is hard. How do you know who has your best interests in mind? … Read More … Read More

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How could you make $100,000?

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I’m challenging you to think big about your income, so big that it’s beyond what you might ordinarily think is possible. … Read More

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Don’t try to run out the clock on your finances

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It’s a sobering statistic: 1 out of every 1 person dies. If you are of a certain age, and your finances are not where you want them to be, it is understandable that a certain feeling of helplessness can set … Read More … Read More

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The Roth IRA danger zone (part 2): What to do if you contributed too much

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So we talked last time about the problems with being on the threshold of the Roth IRA income limits. If you make way too much or way too little, then you know where you stand in terms of being able … Read More … Read More

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How financial stability (might have) led me to become vegetarian

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For much of my life, I was a dedicated “whatever-ivore”. I ate meat, because I ate everything. I wasn’t one of those people who ate bugs and the like, but it was part of my identity that restricting my food … Read More … Read More

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Real numbers: Budgeting for a weekend away

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Repeat after me: track or you will fail. It doesn’t matter if it’s money, or fitness, or watering your plants, if there is something you want to accomplish and it takes more than a single step to get there, you … Read More … Read More

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The bridge: What you need when you retire early

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One of my life’s goals is to become financially independent. This means that I won’t need to rely on work to earn an income. (Yeah, it would be nice if we as a society could move to something approximating universal … Read More … Read More

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When to create a savings bucket

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A bucket is my term for a savings account, used for either one-time or ongoing purchases. It’s certainly not a standard financial term. I don’t see it used much on personal finance sites. But the analogy should be clear enough. … Read More … Read More

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Here are the times when I use a credit card

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Once of the very first posts on this site was called “How credit cards are like alcohol“. In it, I stated that I didn’t believe that there was anything inherently bad about credit cards, but only that some people can … Read More … Read More

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